Union Federal Savings Bank is currently not taking applications for this program. If you have recently submitted a loan application and would like to check your status, please click here to access your account. If you completed a partial application, but did not submit it, the application is no longer eligible for submission.

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School Selection

School State*

What if my school is not listed?

There are two reasons why your school may not be listed:

You may be searching under the wrong name. Please try searching under the formal name (e.g. USC would be University of Southern California)

Your school is not eligible to participate in the program you have selected

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School Name*

School Information:

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Application Requirements

I will use this loan for my

Can I use my loan for expenses other than tuition?

Yes. You can use your loan to cover education-related expenses included in your cost of attendance as defined by your school, which often includes expenses such as:

Tuition and school fees

Books and school supplies

Lab fees

Room and board

A computer

Transportation to and from school

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On this application I will be

The Student

The Cosigner

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My permanent state of residence is

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I am applying for this loan

With a cosigner

On my own

Depending on your situation, a cosigner may improve your approval chances or may be required altogether.

Applying with a cosigner who has good credit and positive income can help you satisfy credit criteria and may increase your chances of passing the initial credit review. Most students will need a cosigner to qualify.

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The cosigner's permanent state of residence is

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Enrollment Information

Grade*

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Major*

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Academic period for which you are seeking funds*:

Start DateEnd Date

The academic period may not exceed 12 months.

Your 'Start Date' cannot be more than 3 months in the future.

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Expected graduation date*

Your expected graduation date must be on or after your academic period end date.

Student's Cost of Attendance (for period covered by loan)*

$

What is cost of attendance?

Cost of attendance (COA) is an estimation of tuition and fees, room and board, transportation, and other costs for the period of enrollment covered by the loan, as determined by the school.

Please keep in mind that COA may vary by student due to a number of factors, including:

Residency status (Are you paying in-state or out-of-state tuition?)

Type of academic program (Are you an undergraduate or graduate student?)

Housing status (Are you living on or off campus?)

Number of hours enrolled (Are you enrolled full-time, 3/4 time or 1/2 time?)

Where can COA be found?

Check these sources:

Your school's financial aid materials including its website

Your school's financial aid office

Your financial aid award letter

Estimated Financial Assistance (for period covered by loan)*

$

What is estimated financial assistance?

Estimated financial assistance includes the total dollar amount of grants, scholarships, work study and federal loans (Stafford, Parent PLUS, Grad PLUS, Perkins, etc) a family receives to fund a student's education for one academic year.

Where can estimated financial assistance be found?

If you have received an award letter from your school, the estimated financial assistance should be included there. If you have difficulty determining your estimated financial assistance, you may want to contact your school's financial aid office.

Requested Loan Amount

Enter the amount of money you need to borrow and make sure it is within the minimum and maximum loan amount range. This range is based on a number of factors, including your school and loan type.

As you determine the best way to finance your education, you should consider the full range of student financial aid options available to you. Private loans are often used to supplement federal student loans, when federal loans are not sufficient to cover the full cost of education.

Can I use my loan for expenses other than tuition?

Yes. You can use your loan to cover education-related expenses included in your cost of attendance as defined by your school, which often includes expenses such as:

Tuition and school fees

Books and school supplies

Lab fees

Room and board

A computer

Transportation to and from school

How much can I borrow?

The minimum and maximum you can borrow for the upcoming semester/academic period is determined by the school you are attending, the loan type you selected and your state of residence. You must select an amount for the upcoming semester/academic period that is within the approved range.

If you choose to refinance existing private student loans, select the Add Loans button to seperately enter the payoff amount(s) and details of the loans you are requesting to refinance.

Maximum Loan Amount

What is Cost Less Aid?Cost Less Aid simply means that you can borrow up to the cost of attendance for your school minus any other financial aid that you may be receiving. Don't worry if you do not know yet how much other aid you may be receiving; your school will verify that you are not requesting more money than you actually need.

Requested Loan Amount*

$

The amount you are requesting for the upcoming semester/academic period.

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Minimum Loan Amount

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Can we help you with your application?

Talk to a specialist at 866-513-8445

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Help Topics

What factors are used in the initial credit review?The initial credit review is based on the information you and your cosigner (if applicable) provide during the application process and the information obtained from your credit report (and any cosigner's credit report). If you pass the initial credit review, documentation will be requested. A signed Credit Agreement and Applicant Self-Certification Form is required before a final loan decision is made. Your school will be required to certify a SunTrust private student loan prior to disbursement.

How much can I borrow?The minimum and maximum you can borrow is determined by the school you are attending and the loan type you selected.

What happens if I default on my loan?Defaulting on your loan is a very serious matter, and one that could have a long-term, adverse effect on your credit score. Loans are in default on the first day after a missed payment, and are usually reported to consumer reporting agencies as "late" after 30 days. Student loans are generally not dischargeable in bankruptcy proceedings. If you default on your student loan, you should contact your servicer immediately to establish a satisfactory repayment arrangement.

Have questions?

The lender for this program is Union Federal Savings Bank. Member FDIC, Equal Opportunity Lender.Union Federal Savings Bank reserves the right to change or discontinue this Union Federal Private Student Loan program without notice. Union Federal Savings Bank may sell your Union Federal Private Student Loan to a third party only if the purchaser agrees to honor all of Union Federal Savings Bank's promises to you, including all promised borrower benefits that you will receive or might become eligible to receive during the loan repayment period.